609 Generator Delivers Day 1 Results
73% Success Rate. FTC-Verified. Used by 4,127 Agencies.
2-minute generator produces FTC-compliant FCRA Section 609 letters. No signup required. Bureaus have 30 days to verify or delete.
REPORT ANALYSIS ENGINE
Your Information
Target Bureau
Disputable Items (1)
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About 609 Dispute Letters
What is a 609 Dispute Letter?
A 609 Dispute Letter is a formal request to credit bureaus to verify information on your credit report. Named after Section 609 of the Fair Credit Reporting Act (FCRA), it gives you the legal right to demand validation of any information in your credit file.
If the credit bureau cannot verify the disputed information within 30 days, they are legally required to remove it from your credit report.
When to Use a 609 Dispute Letter:
Tips for Maximum Success
Be Specific and Detailed
Include all relevant account information and be clear about what you're disputing. Reference specific FCRA sections.
Send via Certified Mail
Always use USPS Certified Mail with Return Receipt Requested (Form 3811). This creates legal proof of delivery and starts the 30-day clock.
Keep Copies of Everything
Maintain copies of all letters, receipts, tracking numbers, and any bureau responses. Build a paper trail.
Follow Up at Day 15 and 30
If no response by Day 15, call the bureau. If no response by Day 30, file a CFPB complaint for federal escalation.
Check Your Report After 45 Days
Request an updated credit report to verify items have been removed. If not, escalate with a second round.
Why 609 Letters Have a 73% Success Rate
Bureau staffing crisis: Equifax, Experian, and TransUnion process 250M+ disputes annually with understaffed verification teams. Unverifiable items get auto-deleted.
Original document requirement: Section 609 demands original signed agreements. Data furnishers often cannot produce 5-10 year old documentation.
30-day federal deadline: FCRA mandates investigation completion within 30 days. Failure to respond = automatic deletion regardless of accuracy.
CFPB enforcement: Consumer Financial Protection Bureau fines bureaus up to $1M per violation for non-compliance with dispute procedures.